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Net worth update per


This is blablatest's #4 net worth update. Please check out my profile here for more information. As of , my net worth increased to EUR 91,800 and my FI portfolio increased to EUR 91,800


Net worth

EUR 91,800

Since the last update on my net worth has increased with EUR 54,800 (+ 148.11 %).

FI portfolio

EUR 91,800

Since the last update on my FI portfolio has increased with EUR 54,800 (+ 148.11 %).

The per-day change in net worth between the reported periods are shown in the plot below.


And the development and changes between each net worth reporting is shown in the tables below.

Net worth
FI portfolio

The changes for each asset class is shown in the table below. All numbers are in EUR.
Change
Cash 4,000 +66,000 70,000
Investments 33,000 -13,000 20,000
Retirement acc 0 +1,800 1,800
Real estate 0 0 0
Other assets 0 0 0
Total assets 37,000 +54,800 91,800

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 4,000 +66,000 70,000
Investments 33,000 -13,000 20,000
Retirement acc 0 +1,800 1,800
Real estate 0 0 0
Other assets 0 0 0
Total assets 37,000 +54,800 91,800

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0
Change
Cash 8,000 +62,000 70,000
Investments 20,000 0 20,000
Retirement acc 0 +1,800 1,800
Real estate 0 0 0
Other assets 0 0 0
Total assets 28,000 +63,800 91,800

Mortgage 0 0 0
Other debt 0 0 0
Total debt 0 0 0

I am now 9.2% on my way to achive my FIRE target of EUR 1,000,000. This is 5.5 percentage points closer, compared to the last net worth update.

EUR 91,800 FIRE target: EUR 1,000,000


9.2%

FI portfolio

My FI portfolio now consists of EUR 20,000 (21.8%) in investments, EUR 1,800 (2.0%) in retirement accounts, and EUR 70,000 (76.3%) in cash.

Investments

Since my last update, my investments decreased with EUR -13,000 (-39.39%).

Since I started tracking, my total contributions have been EUR 75,000, and my total return has been EUR 22,000.

Retirement accounts

Since my last update, my retirement accounts increased with EUR 1,800 (100%).

Since I started tracking, my total contributions have been EUR 2,200, and my total return is EUR 1,800.




How much can I withdraw according to the 4%-rule?

If I quit working today, my monthly pay out would be EUR 306 for the rest of my life.


Monthly SWR amount
Retire today with (EUR)
306/month
(4.0% SWR)
267/month
(3.5% SWR)
229/month
(3.0% SWR)


When can I retire?

FI date

My age

42

I am currently aiming to save/invest approximately EUR 1,500 each month.

Assuming an annual return of 10% on my investments and my retirement accounts, I aim to reach my FIRE target of EUR 1,000,000 in 15 years and 1 months, in , and at that time I will be 42 years old.

By that time I will have invested/saved another EUR 303,000, while the rest will be return on my existing FI portfolio and the new investments, in total EUR 605,200


Financial independence forecast